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2026 - consolidation and calm
Comments
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Yes, you are!
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20251 -
Thank you everyone 😁 It's been a long wait for that PB win! I still haven't decided what I will do, maybe half back in PBs and half to the car.
A payment to the CC means another chunk off the car balance.
Work is insanely busy, and I haven't been sleeping well with a very busy head. It's half term the week after next, so I might have to put in some even longer days next week as I'll want to get stuff finished before my time off.
I did make an effort to prep a salad for lunch today as this is my danger zone when I'm busy and I've been very snacky the last couple of days. Today was better as a result.
Lovely school report for Little jwil today 🤗
Little miss has seemed a little bit happier the last few days so hopefully things are starting to improve for her. I've told her I'm speaking to her teachers next week and she said she's coming along to police what I talk about. I've asked her then to make it very clear to me what she wants me to say and what not to say next week.
I've cashed out £6 on surveys today so will PAD that tomorrow.
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee6 -
PAD (Payment a Day)
Today's PAD - £2
Jan - £172
Feb - £35
Car balance Sept 25 - £11,031 - now £8,461
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee3 -
well to to little jwil.
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Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
Yey!! Under 8500!
Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.761 -
Ooh under that £500 mark 🥂
Very pleased to hear little miss is seeming happier. Has she given any indication of why?
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael1 -
I do hope she doesn't go the "please don't say anything you will only make it worse" route. My DS did. I was good friends with an older boys parents & for a while he protected him but then he left school & we were back again. The one thing I regret is NOT ignoring his wishes.
1 -
Thank you 😊
Yay indeed! 😁
I know, very exciting! 😁
I'm not sure what's happened, she seems to be playing with some of the other girls again, where she seemed to be withdrawing before. She's also been talking to another girl with ADHD and austism so I think doesn't feel so alone. I do need to have a chat with her this weekend as well to see what the situation is ahead of parents evening.Thank you, it's useful to hear your experience. I think it's time that these things were dealt with, and she's not allowed me to mention names before and now I think it's time to. If the school for whatever reason aren't seeing what's going on, they need to know.
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4 -
PAD (Payment a Day)
Today's PAD - £8
Jan - £172
Feb - £43
Car balance Sept 25 - £11,031 - now £8,454
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee3 -
You show a marvellous level of motivation and consistency with the Payment a Day ✨
Updated last day of the month… focus, improving overall net wealth…
Mortgage: starting at -£222,469 (Jan 26) now at -£221,497 (April 26)
Postgrad Loan: starting at -£8,974 (Jan 26) now at -£8,303 (March 26)
Personal Loan: starting at -£11,466 (Jan 26) now at -£10,883 (April 26)
Emergency Fund Savings: starting at £5,511 (Jan 26) now at £2,500 (March 26)
Investments: starting at £50 (Jan 26) now at £339 (March 26)
Net Wealth: starting at -£204,317 (Jan 26) now at -£204,615 (March 26)
2
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